Shool loans are annoying too that you can't do the bankrupcy thing and get out of them. If you plan things right you can pay that school loan off early as they re usually a low interest rate and stretched out to a long time. Mine was only 200/month but we rushed into buying a house then a vehicle so I just paid that minimum until the last couple years then I paid double payments and paid it off. If you don't get in any more debt now you can pay extra on that loan and pay it off real early. Chances are she can start out as a lawyer making 50-60k so she should be able to pay it off pretty quick.